Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Blog Article

Tips for Choosing the Top Credit Cards for Your Needs

Understanding the credit card benefits options can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Food and beverage expenses
- Overseas spending
- General Spend

This information helps us gain insight into your spending patterns and determine the optimal collection of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also provide options for further optimization such as only filtering cards by banks or fee-waived cards initially.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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